106 S Cedar StPanaIL62557
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 106 S Cedar St, Pana, IL, 62557 in Pana aligned with their strategy. Rental yield 7.93%. DSCR 1.47 and 7.93% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $1,012/yr in paydown build toward a projected cumulative return of $39,724.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 8.0% |
| Monthly Cash Flow | $(36) | $1,200 |
City averages based on Pana market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $726 |
| Total Monthly Debt Service | $719 |
| DSCR Ratio | 1.01x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1919
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62557, Pana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,527 (100%) |
| Owner Occupied HU | 2,213 (62.7%) |
| Renter Occupied HU | 743 (21.1%) |
| Vacant Housing Units | 571 (16.2%) |
| Median Home Value | $114,822 |
| Average Home Value | $143,717 |
Housing Distribution
Address Breakdown
Residential
3,070
Single Family
2,893
Multi-Family
177
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1919
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 62557, Pana, IL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,527 (100%) |
| Owner Occupied HU | 2,213 (62.7%) |
| Renter Occupied HU | 743 (21.1%) |
| Vacant Housing Units | 571 (16.2%) |
| Median Home Value | $114,822 |
| Average Home Value | $143,717 |
Housing Distribution
Address Breakdown
Residential
3,070
Single Family
2,893
Multi-Family
177
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices